Welcome to
Utility Hub
Utility Hub is your elite dashboard for high-performance digital tools. Whether you're navigating complex Indian Income Tax (FY 2025-26) calculations or engineering the perfect AI response with our Prompt Architect, we provide instant, expert-level results — all for free, with no sign-up required.
India Tax Calculator
Calculate your exact take-home pay and compare Old vs New Tax Regime for the FY 2025-26 financial year.
- ✓ Real-time Sankey flow visualisation of your income
- ✓ Automatic marginal relief and surcharge calculations
- ✓ Supports salaries from ₹5 Lakh to ₹2 Crore
- ✓ Updated with Union Budget 2025-26 slab rates
Prompt Architect
Transform raw ideas into expertly structured prompts for Gemini, ChatGPT, Claude, Grok, and image generation models.
- ✓ Supports 8+ AI models including Midjourney & Veo
- ✓ Built-in Refinement Mode to improve existing prompts
- ✓ Uses role-priming, context injection, and output constraints
- ✓ Powered by Google Gemini with tiered fallback
Why Use Utility Hub?
Privacy First
Your financial data stays in your browser. Our tax calculator uses client-side JavaScript — no sensitive data is sent to our servers. We don't track your inputs, and we never sell your information.
Real-Time Calculations
Every slider adjustment instantly recalculates your tax, generates a new Sankey diagram, and updates your take-home pay — no page reloads, no waiting. Results in under 10 milliseconds.
Legislative Accuracy
Built with the exact slab rates announced in the Union Budget 2025-26, including the new ₹12 Lakh rebate, revised standard deduction of ₹75,000, and surcharge marginal relief provisions.
How UtilityPick.com Helps You
India Tax Calculator — Built for FY 2025-26
The Indian tax landscape changed significantly with the Union Budget 2025-26. The New Tax Regime is now the default regime for all taxpayers, offering simplified slabs with rates ranging from 0% to 30%. Key highlights include a raised standard deduction of ₹75,000, zero tax on income up to ₹12 Lakh (via Section 87A rebate), and comprehensive marginal relief provisions.
Our calculator goes beyond simple slab calculations. It computes the exact surcharge for high earners (10% for ₹50L–₹1Cr, 15% for ₹1Cr–₹2Cr, 25% for ₹2Cr+), applies marginal relief at each boundary, and adds the 4% Health & Education Cess. The interactive Sankey diagram gives you a visual breakdown of exactly where every rupee of your salary goes.
Whether you earn ₹5 Lakh or ₹2 Crore, simply move the slider and see your monthly take-home pay update instantly. We also provide a regime verdict comparing the New Regime with an estimated Old Regime tax to help you decide which option saves you more money.
Prompt Architect — Craft Expert AI Prompts
The quality of an AI's output is directly proportional to the quality of its input. Most people write prompts that are too vague or too broad, resulting in generic responses. Our Prompt Architect solves this by transforming your simple idea into a structured, expert-level prompt optimised for the specific AI model you're targeting.
The tool supports 8 different AI models: Universal (any LLM), Google Gemini, ChatGPT, Claude, Grok by xAI, Google Veo for video, Nano Banana for photography-style images, and Midjourney for artistic generation. Each model has its own system instruction template that leverages best practices like role-priming, few-shot examples, and output formatting constraints.
With Refinement Mode, you can paste an existing prompt and have our AI iterate on it to make it more specific, professional, or creative. The system uses a tiered model fallback (Gemini 3 Flash → Gemini 2.0 Flash → Gemini 1.5 Flash) to ensure high availability even during peak usage periods.